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True Finance Review 2024: Is The True Finance App Legit?

True Finance is a free app that aims to help you get ahold of your finances. Build credit, pay off debts, and access offers all within the True app. Check your free credit score, get instant cash advances when you need them, and access content about financial health all in one easy-to-use app.

True Finance Review

Overall Score: 4.8

True Finance is a financial guide that helps customers build credit and crush debt faster. Access your credit score, review financial tips, review personalized loan offers, and access cash advances between $25 to $100 with 0% APR, all within the True app.


  • Free Credit Score
  • Personalized Financial Offers
  • 0% APR on cash advance


  • Cash advance only available through Premium membership

What is True Finance?

True believes that everyone should have access to their credit score and cash advances when they need them most. Download the app, access your free credit score, get a cash advance between $25 to $100, and explore money-making opportunities all within the True app.

Is True Finance Free?

Yes, True Finance is a completely free app that you can download today. Although the app is free to download, you do have the option to access True Premium for $3.99/month, where you can subscribe to access 0% APR cash advances between $25 to $100. If you’re looking to get your cash advance instantly, the app charges a $1.99 instant transfer payment.

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Key Features

Credit Score

True provides customers with a free view of their credit score. These details are provided by VantageScore 3.0 using Equifax data. They also provide alerts of changes to your credit file. Every time a new loan or other financial product that requires a credit pull is requested, you will be alerted.

Cash Advance

Cash Advances between $25 to $100 are available to Premium Subscribers at 0% APR. These funds are meant to help you prevent overdraft fees, pay your credit card on time, or simply buy some groceries. True understands money can be tight, and they aim to help you weather the storm.

Financial Offers

True Finance features financial offers that are available within the app. Based on your interests and needs, True will share offers for Personal Loans, Auto Insurance, and Credit Cards. Simply select the offer that meets your current need, and apply.

True Finance Alternatives

Alternatives to True might include other apps that offer similar services, such as Cleo, Albert, and Earnin – which all feature similar cash advance offers. These platforms also provide tools for credit monitoring, financial advice, and access to financial products, each with its unique set of features and benefits, catering to a variety of consumer preferences and needs.

Frequently Asked Questions (FAQs)

How does True Finance help users improve their financial health?

True offers a suite of tools designed to help users take control of their finances. With features like free access to credit scores, the ability to review personalized financial offers, and the option to receive cash advances at 0% APR, True Finance aims to empower users to build credit, pay off debts more efficiently, and make informed financial decisions. Additionally, the app provides financial health content to educate users on managing their finances effectively.

What are the requirements to qualify for a cash advance with True Finance?

To qualify for a cash advance through True, users must subscribe to the True Premium service, which costs $3.99 per month. This subscription enables access to cash advances ranging from $25 to $100 at 0% APR. Users looking for instant cash advance transfers are subject to a $1.99 fee. Eligibility for cash advances is determined based on the user’s financial profile and adherence to the app’s terms of service.

Can I check my credit score on True Finance without hurting my credit?

Yes, True Finance allows users to check their credit scores without impacting their credit. The app provides credit score details using VantageScore 3.0, based on data from Equifax. These credit checks are soft inquiries, which do not affect your credit score, ensuring that users can stay informed about their credit status without negative repercussions.

What sets True Finance apart from other financial apps?

True Finance distinguishes itself with its comprehensive approach to financial wellness. Unlike many other apps, True Finance offers a blend of credit-building tools, debt management solutions, and 0% APR cash advances, all within a user-friendly platform. Additionally, its premium service is reasonably priced, providing significant value through instant cash advances and personalized financial offers tailored to the user’s needs and goals.

Is True Finance suitable for everyone?

True is designed to be accessible and beneficial to a wide range of users, from those just beginning to navigate their financial journey to more experienced individuals looking to optimize their financial health. However, the most significant benefits, such as cash advances, require a premium subscription. As such, the app is best suited for users willing to invest a small monthly fee to access these enhanced features. For those seeking basic credit monitoring and financial tips without additional costs, True Finance still offers valuable resources and insights.